Real Brisker; Because when an overwhelming segment of the population
behaves in a certain socially negative way, it reflects on the rest of that identifiable minority. The phenomenon of “Yisroel Areivim Zeh Lozeh” is at work, whether we like it or not. The general society look at Jews not as individuals but as a group. That works for good or for bad. Besides, Halachically it is not so certain that it is permitted. There is such a thing in Halacha as ??????. (Asmachta). Meaning, that even if a certain business entity does create a very generous return policy, they didn’t anticipate that the overwhelming majority of the items purchased will be returned after being used for a long period of time and in worn condition.